Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply. Discounts may not be applied to all policy coverages.
Auto insurance comparison websites, which let you instantly compare quotes from multiple insurance providers, can be a huge help in your quest for affordable car insurance. They provide accurate, personalized rates, discounts, and coverage options all on one site—much like your favorite travel comparison site that gives you airline ticket or hotel room options all on a single page.
Asheville takes the top spot on our list of the cheapest auto insurance rates in North Carolina with an average annual rate of $725, which make it 10% more affordable than the rest of the state. We suggest drivers in Asheville consider obtaining quotes from Auto Owners, North Carolina Farm Bureau, Penn National, Titan, and Erie. As our top five most affordable companies near you, we found their average annual rate to be $622, a 14% reduction from the city wide average. Keep in mind North Carolina Farm Bureau requires a $25 membership fee and is open to people of non-farming professions as well. Numbering over 83,000 in residents, Asheville is home to the largest private residence in America, the Biltmore Estate, as well as the United States National Climatic Data Center, the world’s largest active archive of weather data. It has garnered recognition for an assortment of titles from “Beer City USA” to “Happiest City for Women”, to which we add the "Best City in North Carolina for Auto Insurance"!
Click on the insurance company and agent name to view their full profile which includes all of their aggregated consumer experience rankings, contact and social information, about, discounts and special offers, certifications, spoken languages (for agents only), carriers they work with (for agents only), insurance products offered, locations served, business hours, reviews and a lot more.
112 locations in the Tar Heel state - from Ahoskie to Zebulon - were covered, and included places in all three regions: the Blue Ridge Mountain region through Piedmont and the Coastal Plain. Annual costs for these places spanned from $725 in Asheville, the lowest rates in our North Carolina study, to $977 in Fayetteville. Depending on where our North Carolinians sample drivers lived, auto insurance rates can vary by 26% from the most expensive to the cheapest in the set.
Car insurance protects you from financial liability in incidents involving your vehicle. It has two major benefits. First, it can help save you from costs involved with bodily injury (medical costs). Second, it covers property damage to both you and your property, and other people involved in the accident if you’re at fault. Car insurance is required in most states and it is illegal to operate a car without it.

Also, we accept most cars and drivers. (Yes, that means you too!) We offer free auto insurance quotes for drivers that have had a history of driving violations or accidents (in most cases considered high-risk drivers), have let their insurance expire, or have less than perfect credit. We always offer the same flexible rate plans and outstanding customer service, regardless of your driving record.
×